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The Property Economy: Insights by Dr Botha (Dec 2025)

After several tough years of low growth, high interest rates, and financial pressure on households, South Africa's economy is finally showing signs of real recovery. The latest GDP figures, a welcome interest rate cut, a stronger rand, and surging performance in key sectors all indicate that the country could be enteri

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Fixed vs Variable Rates: Which Saves You More in the Long Run?

When homebuyers explore their financing options, one question always rises to the top:

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Why SA Home Loans Used JIBAR - and What Changes With ZARONIA in 2026

Most South African homebuyers are familiar with bonds priced off the Repo rate - the benchmark used by traditional banks. But SA Home Loans (SAHL), one of the country's biggest non-bank lenders, historically priced its bonds off JIBAR instead.

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Why Most Prequalification Certificates Are Useless - And How To Get One That Matters

For many buyers, the first step in house hunting is getting a prequalification certificate. Estate agents love them because they "prove" a buyer can afford a property. Sellers like them because they reduce the risk of wasted time.

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Why It’s Easier to Get a Car Loan Than a Home Loan in South Africa

Understanding the bank's risk, repossession rules, and what this means for homebuyers

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Renovation & Building Loans: What Banks Really Look At Before Approving Your Funding

Planning a major renovation or extension can be one of the most exciting stages of homeownership. Whether you're creating extra space for a growing family, modernising a tired kitchen, or adding a flatlet for rental income, renovations can significantly improve your quality of life and your property's value.

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Why Buyers Go Silent – And What That Really Means

If you've been in real estate for any amount of time, you've probably experienced it:

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Declined for a Home Loan? It’s Not the End - Introducing the "Buyer Readiness Program"

Many South Africans walk out of a bank - or open an email - and feel that horrible sinking feeling:

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When paperwork crosses the line - why a SAFPS fraud listing can wreck your credit for years

At Phoenix Bonds we often help clients clean up, explain and package complicated financial records so lenders can properly assess income from freelancing, commissions, foreign salaries and other non-standard sources. That work is lawful and valuable.

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South Africa Officially Off the Grey List - What It Means for Homebuyers and Investors

It's official - South Africa has been removed from the Financial Action Task Force (FATF) grey list, marking a major turnaround for the country's financial reputation.

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Reckless Lending – What It Is and Why Banks Are So Scared of It

When it comes to home loans and credit, few terms make banks more nervous than reckless lending.

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The Three Levels of Default – and How They Affect Your Home Loan

When it comes to your credit profile, not all defaults are created equal.

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